Total monthly cost of ownership
Cost to Own a Home in Baird, Texas
A $75,000 home here costs
$779per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $386. The real number is $393 higher every month — 102% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Baird against Callahan County and Texas
| Measure | Baird | Callahan County |
|---|---|---|
| Median home value | $74,600 | $144,800 |
| Median property tax | $780 | $1,587 |
| Effective tax rate | 1.046% | 1.096% |
| Median gross rent | $702 | $881 |
| Population | 1,687 | 14,017 |
The weather behind that power bill
Baird sits in Callahan County, which averages a high of 96.4°F in its hottest month and a low of 33.7°F in its coldest, with 25.24" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,696 cooling and 2,320 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Callahan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Callahan County
Common questions
How much does it cost to own a home in Baird?
A $75,000 home in Baird, Texas costs approximately $779 per month with 20% down at 6.66%. That is $386 principal and interest, $65 property tax, $50 homeowners insurance, $216 utilities and $63 set aside for maintenance.
What is the property tax rate in Baird?
Baird has an effective property tax rate of 1.046%, based on a median home value of $74,600 and median real estate taxes of $780. That is lower than the Callahan County average of 1.096%.
What is the average home price in Baird?
The median owner-occupied home value in Baird, Texas is $74,600, against $144,800 across Callahan County.
Is it cheaper to rent or buy in Baird?
Median gross rent in Baird is $702 a month, against $779 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Baird — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Texas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.